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Settle Up Calculator
Enter how much each person paid, and we'll show who owes who — with the smallest number of payments to settle the whole group.
Who paid what?
Doing this every trip?
Splitwin remembers your group, tracks every expense as you add it, and settles up automatically — free, no ads in your way, no paywalls.
How it works
A settle-up calculator works out who owes who after a group shares costs, and reduces it to the fewest payments needed to make everyone even. Enter how much each person paid; the tool totals it, finds each person's fair share, and lists the minimum set of transfers to settle up.
How to use it
- Add each person and how much they paid toward the shared costs.
- Click Calculate settle-up.
- Read each person's balance — who gets money back and who owes.
- Follow the list of fewest payments to make everyone even.
FAQ
How does the settle-up calculator work?
Enter how much each person paid toward the shared costs. The tool totals everything, works out each person's fair share, then shows the fewest payments needed so everyone ends up even.
Does it handle uneven amounts?
Yes. Anyone who paid more than their share gets money back; anyone who paid less pays the difference. The minimum-transfers algorithm keeps the number of payments as low as possible.
Is it free?
Completely free, no sign-up. For an app that tracks this automatically across trips and groups, try Splitwin.
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